US10719826B2 - Payment method, payment apparatus, and payment system using electronic wallet - Google Patents
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- US10719826B2 US10719826B2 US15/124,178 US201515124178A US10719826B2 US 10719826 B2 US10719826 B2 US 10719826B2 US 201515124178 A US201515124178 A US 201515124178A US 10719826 B2 US10719826 B2 US 10719826B2
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Definitions
- Exemplary embodiments of the present disclosure relate to an electronic wallet service, which transmits payment information, such as an affiliated store, a payment item, and an amount due, to an electronic wallet application in a user's electronic device via an order information transmitting device (for example, Near Field Communication (NFC), a Quick Response (QR) code or barcode display device, Bluetooth, Infrared Data Association (IrDA), or WiFi), which is electrically connected with a Point Of Sales (POS) terminal, and which optimizes personally collected contents of the electronic wallet such as membership, coupon, etc. and uses the contents as a means for paying of the electronic wallet (online payment), thereby providing an integrated service of payment, discount, and saving.
- NFC Near Field Communication
- QR Quick Response
- IrDA Infrared Data Association
- WiFi Point Of Sales
- payment with a credit card may be made by calculating an amount due for a purchased or consumed item at a POS terminal of a store, and requesting a server to authenticate a means for paying (for example, a user's credit card) and make payment.
- the corresponding payment information may be transmitted to the server of a bank or a card company via a Value Added Network (VAN) connected with the POS terminal.
- VAN Value Added Network
- the amount due is approved by the server of the card company (or bank) and then the payment is made by transmitting a secondary user authentication (for example, a signature) from the POS terminal to the server via the VAN.
- a secondary user authentication for example, a signature
- a payment process starts and ends with a POS terminal of an offline affiliated store.
- the card payment method is not possible without exact processing and linking between the POS terminal, the VAN, and the card company, and may make it difficult for users to select various services or benefits (for example, membership, discount coupons, and saving of reward points) by the influence of respective stakeholders.
- the card payment method is more prone to the risk of illegal use of an offline payment method (a payment means) using a credit card and the risk of leakage of personal information.
- the card payment method may be used again illegally online/offline based on pre-settled payment details (for example, a card number, an expiration date, a CVS code, etc.).
- a credit card of a magnetic method may be cloned and used illegally.
- the card since the card may be used as a means for identifying personal information, the personal information is likely to be leaked when the card is stolen or lost.
- the current method for identifying a real cardholder is comparing signature information written on the back of the card and a signature which is presented as a secondary identifying means when payment is made.
- the signature may be easily forged or falsified and thus it is difficult to identify use of a person other than the real cardholder.
- the card payment method separately manages online/offline payment methods and separately processes a credit card and a reward point saving/discount card (or a membership card).
- the user of the card payment method has difficulty in using the online electronic payment method and the offline card in parallel and thus should use different payment means according to payment methods.
- the user in the case of an affiliated store which provides a reward point benefit or a discount benefit, the user should present a payment card in addition to a valid membership discount card or coupon corresponding to the affiliated store, and thus payment, discount, and saving are separately managed.
- the coupon or membership card is not recognized by the POS terminal, there is a problem that relevant data should be manually input by a person.
- the user should always carry the membership card, know the affiliated store where a membership card is applied, a discount rate, etc., and present the credit card and the membership card (or coupon) simultaneously when making payment for items, which may cause inconvenience to the user.
- Another object of the present disclosure is to provide a method, apparatus, and system for integrating online/offline payment systems.
- Another object of the present disclosure is to provide a method, apparatus, and system for providing payment/saving/discount recommendation information suitable for an integrated online/off payment system.
- Another object of the present disclosure is to provide a method and apparatus for paying by using an electronic wallet of an electronic device without using a magnetic credit card in an offline store.
- a method for paying of an electronic device includes: receiving item order information from a POS terminal; determining a payment method by considering at least one of a discount benefit and a reward point saving benefit based on the received item order information; and requesting a payment approval for the item order information in the determined payment method.
- a method for paying of a server includes: receiving at least one of item order information and a payment method recommendation information request from an electronic device; determining candidate payment method information which provides a relatively greater benefit of at least one of a discount benefit and a reward point saving benefit based on the item order information; transmitting the determined candidate payment method information to the electronic device.
- a method for paying of a POS terminal includes: acquiring a purchase item of a user; generating item order information based on the purchase item of the user; and transmitting the item order information to an electronic device of the user.
- an electronic device includes: a communication interface; and a processor, wherein the processor is configured to: receive item order information from a POS terminal through the communication interface; determine a payment method by considering at least one of a discount benefit and a reward point saving benefit based on the received item order information; and request a payment approval for the item order information in the determined payment method.
- a server device includes: a communication interface; and a processor, wherein the processor is configured to: receive at least one of item order information and a payment method recommendation information request from an electronic device; determine candidate payment method information which provides a relatively greater benefit of at least one of a discount benefit and a reward point saving benefit based on the item order information; transmit the determined candidate payment method information to the electronic device.
- a POS terminal device includes: a communication interface; and a processor, wherein the processor is configured to: acquire a purchase item of a user; generate item order information based on the purchase item of the user; and transmit the item order information to an electronic device of the user.
- FIG. 1 illustrates a network environment including an electronic device according to various exemplary embodiments of the present disclosure
- FIG. 2 illustrates a block diagram showing a payment module of an electronic device according to various exemplary embodiments of the present disclosure
- FIG. 3 illustrates a signal flowchart of a payment system according to various exemplary embodiments of the present disclosure
- FIG. 4 illustrates a payment flowchart for purchasing an item of a POS terminal according to various exemplary embodiments of the present disclosure
- FIG. 5 illustrates a payment flowchart for purchasing an item of an electronic device according to various exemplary embodiments of the present disclosure
- FIG. 6 illustrates a payment flowchart for purchasing an item of a wallet server according to various exemplary embodiments of the present disclosure
- FIG. 7 illustrates a payment flowchart for purchasing an item of a wallet server according to various exemplary embodiments of the present disclosure
- FIGS. 8A and 8B illustrate views showing a method for providing order information to an electronic device of a user at a POS terminal according to various exemplary embodiments of the present disclosure
- FIG. 9 illustrates a view showing a User Interface (UI) for purchasing an item according to various exemplary embodiments of the present disclosure
- FIG. 10 illustrates a view showing a UI for purchasing an item according to various exemplary embodiments of the present disclosure
- FIGS. 11A, 11B and 11C illustrate a view showing an example of a process for paying for an item when a user purchases the item in a store where complex payment is possible according to various exemplary embodiments of the present disclosure
- FIG. 12 illustrates a view showing an example of a process for paying for an item when a user purchases the item in a store where payment is possible only with a credit card payment according to various exemplary embodiments of the present disclosure
- FIG. 13 illustrates a view showing an example of a process for paying for an item when a user purchases the item in a store where payment is possible only with a membership card according to various exemplary embodiments of the present disclosure
- FIG. 14 illustrates a block diagram showing an electronic device according to various exemplary embodiments of the present disclosure.
- a or B means including A, including B, or including both A and B.
- first and second used in the various exemplary embodiments of the present disclosure may modify various elements of the various exemplary embodiments, these terms do not limit the corresponding elements. For example, these terms do not limit an order and/or importance of the corresponding elements. These terms may be used for the purpose of distinguishing one element from another element.
- a first user device and a second user device all indicate user devices and may indicate different user devices.
- a first element may be named a second element without departing from the scope of right of the various exemplary embodiments of the present invention, and similarly, a second element may be named a first element.
- An electronic device may be a device that is equipped with a communication function.
- the electronic device may include at least one of a smartphone, a tablet personal computer (PC), a mobile phone, a video phone, an electronic book reader, a desktop PC, a laptop PC, a netbook computer, a Personal Digital Assistant (PDA), a Portable Multimedia Player (PMP), an MP3 player, a mobile medical machine, a camera, or a wearable device (for example, a head-mounted-device (HMD) such as electronic glasses, electronic clothing, an electronic bracelet, an electronic necklace, an electronic appcessory, electronic tattoos, a POS terminal, or a smart watch).
- PDA Personal Digital Assistant
- PMP Portable Multimedia Player
- MP3 player MP3 player
- a mobile medical machine a camera
- a wearable device for example, a head-mounted-device (HMD) such as electronic glasses, electronic clothing, an electronic bracelet, an electronic necklace, an electronic appcessory, electronic tattoos, a POS terminal,
- the electronic device may be a smart home appliance which is equipped with a communication function.
- the smart home appliance may include at least one of a television, a Digital Video Disk (DVD) player, a stereo, a refrigerator, an air conditioner, a cleaner, an oven, a microwave oven, a washing machine, an air cleaner, a set-top box, a TV box (for example, Samsung HomeSyncTM, Apple TVTM, or Goggle TVTM), a game console, an electronic dictionary, an electronic key, a camcorder, or an electronic album.
- DVD Digital Video Disk
- the electronic device may include at least one of various medical machines (for example, Magnetic Resonance Angiography (MRA), Magnetic Resonance Imaging (MRI), Computed Tomography (CT), a tomograph, an ultrasound machine, and the like), a navigation device, a Global Positioning System (GPS) receiver, an Event Data Recorder (EDR), a Flight Data Recorder (FDR), an automotive infotainment device, electronic equipment for ship (for example, navigation equipment for ship, a gyro compass, and the like), avionics, a security device, a head unit for vehicle, an industrial or home robot, an automatic teller machine (ATM) of a financial institution, or POS of a store.
- MRA Magnetic Resonance Angiography
- MRI Magnetic Resonance Imaging
- CT Computed Tomography
- ultrasound machine and the like
- GPS Global Positioning System
- EDR Event Data Recorder
- FDR Flight Data Recorder
- automotive infotainment device for example, navigation equipment for ship,
- the electronic device may include at least one of a part of furniture or a building/a structure including a communication function, an electronic board, an electronic signature receiving device, a projector, and various measurement devices (for example, devices for measuring water, power, gas, radio waves, and the like).
- the electronic device according to various exemplary embodiments of the present disclosure may be one or a combination of one or more of the above-mentioned devices.
- the electronic device according to various exemplary embodiments of the present disclosure may be a flexible device.
- the electronic device according to various exemplary embodiments of the present disclosure is not limited to the above-mentioned devices.
- the term “user” used in the various exemplary embodiments may refer to a person who uses the electronic device or a device that uses the electronic device (for example, an artificial intelligence electronic device).
- FIG. 1 illustrates a network environment 100 including an electronic device 101 according to various exemplary embodiments.
- the electronic device 101 may include a bus 110 , a processor 120 , a memory 130 , an input and output interface 140 , a display 150 , a communication interface 160 , and a payment module 170 .
- the bus 110 may be a circuit which connects the above-described elements with one another and transmits communication (for example, a control message) between the above-described elements.
- the processor 120 may receive instructions from the other elements (for example, the memory 130 , the input and output interface 140 , the display 150 , the communication interface 160 , or the payment module 170 ) via the bus 110 , decipher the instructions, and perform calculation or data processing according to the deciphered instructions.
- the other elements for example, the memory 130 , the input and output interface 140 , the display 150 , the communication interface 160 , or the payment module 170 .
- the memory 130 may store instructions or data which is received from or generated by the processor 120 or the other elements (for example, the input and output interface 140 , the display 150 , the communication interface 160 , the payment module 170 , and the like).
- the memory 130 may include programming modules such as a kernel 131 , middleware 132 , an Application Programming Interface (API) 133 , an application 134 , and the like.
- API Application Programming Interface
- Each of the above-described programming modules may be configured by software, firmware, hardware, or a combination of two or more of them.
- the kernel 131 may control or manage system resources (for example, the bus 110 , the processor 120 , the memory 130 , and the like) which are used for performing operations or functions implemented in the other programming modules, for example, the middleware 132 , the API 133 , or the application 134 .
- the kernel 131 may provide an interface for allowing the middleware 132 , the API 133 , or the application 134 to access an individual element of the electronic device 101 and control or manage the element.
- the middleware 132 may serve as an intermediary to allow the API 133 or the application 134 to communicate with the kernel 131 and exchange data with the kernel 131 .
- the middleware 132 may perform controlling (for example, scheduling or load balancing) with respect to work requests received from the application 134 , for example, by giving priority to use the system resources of the electronic device 101 (for example, the bus 110 , the processor 120 , the memory 130 , and the like) to at least one of the applications 134 .
- the API 133 may be an interface for allowing the application 134 to control a function provided by the kernel 131 or the middleware 132 , and, for example, may include at least one interface or function (for example, instructions) for controlling a file, controlling a window, processing an image, or controlling a text.
- the application 134 may include a Short Message Service (SMS)/Multimedia Messaging Service (MMS) application, an email application, a calendar application, a notification application, a health care application (for example, an application for measuring exercise or a blood sugar), an environment information application (for example, an application for providing information on atmospheric pressure, humidity, or temperature), and the like.
- SMS Short Message Service
- MMS Multimedia Messaging Service
- the application 134 may be an application related to information exchange between the electronic device 101 and an external electronic device (for example, a POS terminal 102 ).
- the application related to the information exchange may include an order information reception application for transmitting specific information to the external electronic device.
- the POS terminal 102 is a device that combines the functions of a cash register and a computer terminal, and may not only calculate the amount of sales but also collect and process a variety of information and materials necessary for retail management.
- the POS terminal 102 has a barcode reader, which is a barcode auto reading device, attached thereto. That is, the POS terminal 102 may san a barcode printed on or attached to a wrapper of an item though the barcode reader, and automatically display a variety of information on the corresponding item.
- the POS terminal 102 may be electrically connected with an order information transmitting device (not shown) (for example, an NFC terminal), and may transmit order information of a user to the electronic device 101 via the order information transmitting device.
- an order information transmitting device for example, an NFC terminal
- the order information reception application may include a function of receiving order information (for example, an item name, a price, affiliated store information, order information, an order type (for example, a card/membership/coupon), information on a discount card or membership card applicable in affiliated stores, and the like) from an external electronic device (for example, the POS terminal 102 ) when the user of the electronic device 101 requests a calculation.
- order information for example, an item name, a price, affiliated store information, order information, an order type (for example, a card/membership/coupon), information on a discount card or membership card applicable in affiliated stores, and the like
- the order information may be converted into a QR code or a barcode and transmitted from the POS terminal 102 to the electronic device 101 through a QR code or barcode recognition application.
- Input data of the QR code or barcode recognition application may be acquired through a camera module (not shown).
- the order information may be transmitted from the POS terminal 102 to the electronic device 101 through a wireless Local Area Network (LAN), 3G/4G mobile communication, WiFi direct communication, Bluetooth communication, or NFC.
- LAN Local Area Network
- 3G/4G mobile communication 3G/4G mobile communication
- WiFi direct communication WiFi direct communication
- Bluetooth communication or NFC.
- the input and output interface 140 may transmit instructions or data input by a user through an input and output device (for example, a sensor, a keyboard or a touch screen) to the processor 120 , the memory 130 , the communication interface 160 , or the payment module 170 through the bus 110 , for example.
- the input and output interface 140 may provide data on a user's touch input through a touch screen to the processor 120 .
- the input and output interface 140 may output instructions or data received from the processor 120 , the memory 130 , the communication interface 160 , or the payment module 170 through the bus 110 through the input and output device (for example, a speaker or a display).
- the input and output interface 140 may output voice data processed through the processor 120 to the user through a speaker.
- the display 150 may display a variety of information (for example, multimedia data, text data, and the like) for the user.
- the communication interface 160 may connect communication between the electronic device 101 and an external device (for example, an electronic device 104 or a server 106 ).
- the communication interface 160 may be connected to a network 162 via wireless communication or wire communication to communicate with the external device.
- the wireless communication may include at least one of Wireless Fidelity (WiFi), Bluetooth (BT), Near Field Communication (NFC), cellular communication (for example, LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, GSM, and the like), or Infrared Data Association (IrDA).
- the wire communication may include at least one of a Universal Serial Bus (USB), a High Definition Multimedia Interface (HDMI), a Recommended Standard 232 (RS-232), or plain old telephone service (POTS).
- USB Universal Serial Bus
- HDMI High Definition Multimedia Interface
- RS-232 Recommended Standard 232
- POTS plain old telephone service
- the network 162 may be a telecommunications network.
- the telecommunications network may include at least one of a computer network, Internet, Internet of things, or a telephone network.
- a protocol for communicating between the electronic device 101 and the external device (for example, a transport layer protocol, a data link layer protocol or a physical layer protocol) may be supported in at least one of the application 134 , the application programming interface 133 , the middleware 132 , the kernel 131 , or the communication interface 160 .
- a payment server 103 is the concept of a device which includes at least one of a card company server, a financial institution server, a transportation facility server, and a mobile payment server, which carry out electronic payments.
- the payment server 103 may be implemented by using at least one of the card company server, the financial institution server, the transportation facility server, and the mobile payment server.
- the payment server 103 may perform a payment process by reflecting coupon information and a discount rate in a payment approval request signal received from the POS terminal 102 , and then, may transmit a payment approval result to the electronic device 101 and the POS terminal 102 .
- the payment server 103 may deduct the amount corresponding to the payment approval request signal from a prepaid expense which is charged in a subscriber identification device mounted in the electronic device 101 , or a predetermined postpaid expense.
- a VAN server 104 is a server which is run by a VAN operator, and is connected among a wallet server 105 connected via a VAN, the payment server 103 connected to the VAN, and a membership server 106 to relay request information of the POS terminal 102 and exchange data to make electronic payments.
- the payment server 103 and the wallet server 105 or the membership server 106 and the wallet server 105 may be connected to each other via the network 162 rather than via the VAN.
- the wallet server 105 may provide payment combination recommendation information (for example, a combination of a payment card and a membership card which can provide more reward points or a higher discount rate) corresponding to order information of the electronic device 101 to the electronic device 101 .
- the wallet server 105 may process payment by considering a payment card, a membership card, a coupon, and the like in response to a payment approval request of the electronic device 101 .
- the wallet server 105 may request the payment server 103 or the membership server 106 to approve the payment according to the result of the processing of the payment.
- the entirety or part of the functions of the wallet server 105 may be implemented (or substituted) in the electronic device 101 .
- the wallet server 105 and the electronic device 101 may be implemented as a single device.
- the membership server 106 may refer to a device of the concept of including a reward point or coupon server.
- the membership server 106 may save up the reward points corresponding to the amount paid by the user in user's identification information or deduct saved reward points from an estimated amount.
- the membership server 106 may provide or reserve a coupon indicating a discount rate for a specific affiliated store or specific item.
- the membership card 106 and the payment server 103 may be integrated into a single server or the membership server 106 may be omitted from the network elements in a network environment in which any membership card is not supported.
- the wallet server 104 may support the driving of the electronic device 101 by performing at least one of the operations (or functions) implemented in the electronic device 101 .
- the payment module 170 may process at least part of the information acquired from the other elements (for example, the processor 120 , the memory 130 , the input and output interface 140 , the communication interface 160 , and the like), and provide the information to the user in various methods.
- the payment module 170 may control at least some function of the electronic device 101 by using the processor 102 or independently therefrom to have the electronic device 101 interwork with other electronic devices (for example, the POS terminal 102 or the wallet server 105 ). Additional information on the payment module 170 will be provided later with reference to FIG. 2 .
- FIG. 2 illustrates a block diagram 200 of a payment module 170 of an electronic device (for example, the electronic device 101 ) according to various exemplary embodiments.
- the payment module 170 may include a first reception module 210 , a first transmission module 220 , a second reception module 230 , a second transmission module 240 , and a selection module 250 .
- the first reception module 210 may receive order information from the POS terminal 102 .
- the first reception module 210 may recognize the order information included in a QR code or a barcode by scanning the QR code or the barcode corresponding to the order information.
- the first reception module 210 may receive the order information from an order information transmitting device (not shown) of the POS terminal 102 via an NFC tag (for example, by placing the electronic device 101 including an NFC module close to the POS terminal 102 including an NFC module within a predetermined distance).
- the order information transmitting device may be a device separate from the POS terminal 102 and may be electrically connected with the POS terminal 102 , but may be physically separated therefrom.
- the order information transmitting device may be placed on a location where it is easy for the user to access.
- the order information may include at least one of a list of items purchased by the user, prices of items (or an amount due), the name of an affiliated store, an order number, a membership card, coupon information, price discount information which are applicable in the affiliated store, and an order type (card/membership/coupon).
- the membership card, the coupon information, and the price discount information which are applicable in the affiliated store are managed as database information of the wallet server 105 , they may not be included in the order information.
- the first transmission module 220 may transmit the order information received from the POS terminal 102 to the wallet server 105 .
- the first transmission module 220 may request payment combination recommendation information from the wallet server 105 in response to a result of selection of the selection module 250 .
- the second reception module 230 may receive the payment combination recommendation information from the wallet server 105 .
- the payment combination recommendation information may be information on a payment combination that provides the highest discount benefit or has the most reward points saved from among a plurality of payment cards, membership cards, and coupons that the user of the electronic device 101 holds.
- the payment combination recommendation information may include various combinations according to various criteria such as reward points/discount rate/user preference, and a method for determining a payment combination according to various exemplary embodiments is not limited to any specific method.
- the second transmission module 240 may request a payment approval for the order information from the wallet server 105 based on a payment method selected by the selection module 250 . For example, when a credit card A, a coupon B, and a membership card C are selected by the selection module 250 as a payment method, the second transmission module 240 may request the payment approval for the credit card A, the coupon B, and the membership card C.
- the selection module 250 may display the payment combination recommendation information received from the wallet server 105 .
- the selection module 250 may select the payment method from the payment combination recommendation information according to a user input.
- the selection module 250 may display information on the credit cards, coupons, and membership cards that the user holds in the user's electronic wallet stored in an internal memory, and then select information corresponding to the user input.
- the selection module 250 may extract payment combination information preferred by the user from the information on the credit cards, coupons, and membership cards that the user holds in the user's electronic wallet stored in the internal memory.
- FIG. 3 illustrates a signal flowchart of a payment system according to various exemplary embodiments.
- a first electronic device may acquire an item purchased by the user and transmit item order information to a second electronic device (for example, a user's portable terminal) ( 301 ).
- the item order information may include at least one of an item name, a price, affiliated store information, order information, an order type (card/membership/coupon), and information on a discount card or a membership card applicable in the affiliated store.
- the order information may be transmitted from the first electronic device to the second electronic device via a wireless LAN, 3G/4G mobile communication, WiFi direct communication, Bluetooth communication, or NFC.
- the second electronic device may transmit the item order information to a wallet server and request a payment approval for the order of the item according to whether the second electronic device requests payment combination recommendation information from the wallet server ( 320 ) or does not request the payment combination recommendation information from the wallet server ( 330 ).
- the second electronic device may transmit the item order information received from the first electronic device and a payment combination recommendation information request to the wallet server ( 302 ).
- the wallet server may transmit, to the second electronic device, payment combination recommendation information which provides the highest discount rate or has the most reward points saved, based on the item order information and the credit cards, discount coupons, and membership cards that the user of the second electronic device holds ( 303 ).
- the wallet server may transmit every possible payment combination or a part of possible payment combinations with reference to the discount rate or reward points.
- the second electronic device may transmit a payment approval request to the wallet server by using the payment combination recommendation information received from the wallet server ( 304 ).
- the second electronic device may transmit the payment approval request to the wallet server by using payment method information available to the user of the second electronic device ( 304 ).
- the wallet server may transmit the payment approval request to a payment server via a VAN server based on the payment method information transmitted by the second electronic device ( 306 ).
- the payment server may transmit a payment approval result to the wallet server via the VAN server in response to the payment approval request ( 307 ).
- the wallet server may transmit the payment approval request to a membership server via the VAN server or directly without passing through the VAN server, based on the payment method information transmitted by the second electronic device ( 308 ).
- the membership server may transmit a payment approval result to the wallet server via the VAN server or directly without passing through the VAN server in response to the payment approval request ( 309 ).
- the wallet server may transmit the payment approval result for the item order to the second electronic device, based on the payment approval result of the payment server and the payment approval result of the membership server ( 310 ).
- the first electronic device may receive the payment approval result for the item order of the user from the payment server or the membership server ( 311 ).
- FIG. 4 illustrates a payment flowchart for purchasing an item of a POS terminal according to various exemplary embodiments of the present disclosure.
- a POS terminal may collect an order item of a user by scanning a barcode attached to the item that the user intends to purchase.
- the POS terminal may generate order information on the collected user's order item.
- the order information may include at least one of an item name, an item price, the name of an affiliated store, an order number, and various benefits provided by the affiliated store.
- the information on the various benefits provided by the affiliated store may not be included in the order information.
- the at least one piece of information related to the information on the various benefits provided by the affiliated store may include information on the credit cards, coupons, and membership cards that the user of the electronic device holds and benefit information (for example, discount benefit card information) provided by the corresponding affiliated store.
- the POS terminal may transmit the order information to the electronic device of the user.
- the order information may be converted into a QR code or a barcode and transmitted via a QR code or barcode recognition module of the electronic device of the user.
- the POS terminal may transmit the order information to the electronic device of the user via an order transmitting device of the POS terminal (for example, an NFC communication terminal, a Bluetooth communication device, an IrDA communication device).
- an order transmitting device of the POS terminal for example, an NFC communication terminal, a Bluetooth communication device, an IrDA communication device.
- the POS terminal may transmit the order information to the electronic device of the user in various communication methods in addition to the QR code, barcode, and NFC.
- the POS terminal may determine whether a payment approval request is completed by the user.
- the POS terminal may receive a payment approval result for the order information of the user from a payment server or a membership server in operation 408 .
- the POS terminal may receive information on a discounted price for the user's purchased item or saved reward points in operation 408 .
- the payment approval result may be a receipt.
- FIG. 5 illustrates a payment flowchart for purchasing an item of an electronic device according to various exemplary embodiments of the present disclosure.
- an electronic device may receive user's order information from an order transmitting device of a POS terminal (for example, an NFC communication terminal, a QR code or barcode display device, a Bluetooth communication device, an IrDA communication device).
- a POS terminal for example, an NFC communication terminal, a QR code or barcode display device, a Bluetooth communication device, an IrDA communication device.
- the electronic device may determine whether to identify payment combination recommendation information from a wallet server.
- the electronic device may transmit the user's order information and a payment combination recommendation information request to the wallet server in operation 504 .
- the electronic device may receive the payment combination recommendation information from the wallet server.
- the payment combination recommendation information may include at least one of combinations that provide the highest discount rate and have the most reward points saved from among the combinations of the credit cards, discount coupons, and the membership cards that the user holds.
- the electronic device may select a payment method from the payment combination recommendation information received from the wallet server according to a user input.
- the electronic device may detect authentication information from a user input.
- the authentication information may be a number input or a certificate stored in the electronic device.
- the electronic device may transmit the selected payment method and the detected authentication information to the wallet server.
- the electronic device may display a list of payment methods of the user stored in the electronic device (for example, a credit card, a coupon, a membership, and the like) in operation 514 .
- the electronic device may select a payment method from the list of payment methods of the user according to a user input.
- the electronic device may detect authentication information from a user input.
- the authentication information may be a number input or a certificate stored in the electronic device.
- the electronic device may transmit the selected payment method and the detected authentication information to the wallet server.
- the electronic device may receive an authentication result corresponding to the authentication information from the wallet server.
- the electronic device may transmit information for requesting a payment approval for the order information of the user to the wallet server.
- the electronic device may receive a payment approval result from a payment server or a membership server.
- the payment approval result may be used as a receipt.
- FIG. 6 illustrates a payment flowchart for purchasing an item of a wallet server according to various exemplary embodiments of the present disclosure.
- the wallet server may receive order information of a user and a payment combination recommendation information request.
- the wallet server may determine a payment combination that provides the highest discount benefit and has the most reward points saved based on information on the credit cards, coupons, and membership card that the user holds.
- the wallet server may recommend the determined payment combination to the electronic device of the user.
- the wallet server may receive payment method information selected by the user and authentication information.
- the wallet server may determine whether the authentication information of the user is valid or not and may transmit the result of the determining to the electronic device.
- the wallet server may receive information for requesting a payment approval for the order information from the electronic device.
- the wallet server may transmit the payment approval request information received from the electronic device to at least one of a payment server and a membership server.
- the wallet server may receive a payment approval result from the payment server or the membership server.
- the wallet server may transmit the payment approval result to the electronic device of the user.
- FIG. 7 illustrates a payment flowchart for purchasing an item of a wallet server according to various exemplary embodiments of the present disclosure.
- the wallet server may receive order information of a user from the electronic device of the user.
- the wallet server may receive payment method information selected by the user and authentication information.
- the wallet server may determine whether the authentication information of the user is valid or not and transmit the result of the determining to the electronic device.
- the wallet server may receive information for requesting a payment approval for the order information from the electronic device.
- the wallet server may transmit the payment approval request information received from the electronic device to at least one of a payment server and a membership server.
- the wallet server may receive a payment approval result from the payment server or the membership server.
- the wallet server may transmit the payment approval result to the electronic device of the user.
- FIGS. 8A and 8B illustrate views showing a method for providing order information to an electronic device of a user at a POS terminal according to various exemplary embodiments of the present disclosure.
- order information 800 generated in a POS terminal may be made of a QR code 810 or a barcode 820 and transmitted to an electronic device of a user.
- the order information 800 generated in the POS terminal may be transmitted to a QR code or barcode recognition module 830 (for example, a camera module) of the electronic device of the user.
- the order information 800 may include an item name, a price, affiliated store information, an order number, and benefit information which is provided by the affiliated store when necessary.
- the order information 800 generated in the POS terminal may be stored in an NFC module 840 of the POS terminal.
- the order information of the user stored in the NFC module 840 of the POS terminal may be transmitted to the electronic device.
- FIG. 9 illustrates a view showing a UI for purchasing an item according to various exemplary embodiments of the present disclosure.
- an electronic device of a user may display order information of the user received from a POS terminal.
- the electronic device may display payment combination recommendation information received from a wallet server as shown in view (b) of FIG. 9 .
- the electronic device may display payment methods showing that “a 7% discount is applicable if a payment is made with a credit card”, “100 rewards points will be saved in the membership card”, and “a 3% discount is applicable via other affiliated cards.”
- the electronic device may determine a payment method based on user selection on the displayed payment combination recommendation information.
- the electronic device may display an authentication code input screen as shown in view (c) of FIG. 9 .
- the user may input an authentication code via a virtual keypad included in the authentication code input screen.
- the electronic device may display payment result information as shown in view (d) of FIG. 9 .
- the payment result information may display a total amount before a discount is applied, a discounted amount, an amount due, and the like.
- FIG. 10 illustrates a view showing a UI for purchasing an item according to various exemplary embodiments of the present disclosure.
- an electronic device of a user may display order information of the user received from a POS terminal (for example, the POS terminal 102 of FIG. 1 or the first electronic device of FIG. 3 ).
- the electronic device may ask whether the user selects a payment method from payment method information of the user stored in the electronic device.
- the electronic device may display payment method information of the user stored in the electronic device.
- the electronic device may determine a payment method based on user selection on the displayed payment combination recommendation information. For example, the electronic device may display payment methods showing that “a 7% discount is applicable if payment is made with a credit card”, “100 rewards points will be saved in the membership card”, and “a 3% discount is applicable via other affiliated cards.”
- the electronic device may display an authentication code input screen as shown in view (c) of FIG. 10 .
- the user may input an authentication code via a virtual keypad included in the authentication code input screen.
- the electronic device may display payment result information as shown in view (d) of FIG. 10 .
- the payment result information may display a total amount before a discount is applied, a discounted amount, an amount due, and the like.
- the item payment method may be selected by the user input in the electronic device, the item payment method may be selected in a POS terminal by a clerk of a store as shown in FIGS. 11 to 13 .
- FIGS. 11A, 11B and 11C illustrate a view showing an example of a process for paying for an item when a user purchases the item in a store where complex payment is possible according to various exemplary embodiments of the present disclosure.
- a clerk of a store may acquire an item purchased by a user by using a barcode scanner or directly inputting.
- the clerk may select a payment method by asking the user about the payment method.
- the clerk may select a credit card, a membership card, and a discount coupon, which are payment methods, according to a user's request.
- the clerk may operate a POS terminal to transmit order information (for example, a purchase item name, an item price, the name of an affiliated store, an order number, and an order type) to the electronic device of the user via an order information transmitting device of the POS terminal.
- order information for example, a purchase item name, an item price, the name of an affiliated store, an order number, and an order type
- the electronic device of the user may display the order information received from the POS terminal.
- recommendation information is requested, the electronic device of the user may display the payment methods of the user based on the order type.
- the electronic device of the user may display a payment approval result when the POS terminal requests payment.
- the electronic device may display recommendation payment method information based on the selected order type as indicated by 1300 .
- the electronic device may display recommendation payment method information based on the selected order type as indicated by 1310 .
- the electronic device may display recommendation payment method information based on the selected order type as indicated by 1320 .
- FIG. 12 illustrates a view showing an example of a process for paying for an item when a user purchases the item in a store where payment is possible only with a credit card according to various exemplary embodiments of the present disclosure.
- a payment method of a user is set to a credit card when order information is generated.
- a POS terminal may transmit the order information (for example, a purchase item name, an item price, the name of an affiliated store, and an order number) to the electronic device of the user (for example, the electronic device 101 of FIG. 1 or the second electronic device of FIG. 3 ) via an order information transmitting device (for example, an NFC communication terminal) electrically connected with the POS terminal in view (a) of FIG. 12 .
- the electronic device of the user may display the order information received from the POS terminal. Since the payment method is set to the credit card in view (b) of FIG. 12 , the electronic device of the user may display an electronic credit card for paying without having to request complex recommendation payment information. Thereafter, the electronic device may request a payment approval by inputting an authentication number (PIN number) in view (c) of FIG. 12 , and receive and display a payment approval result in view (d) of FIG. 12 .
- PIN number authentication number
- FIG. 13 illustrates a view showing an example of a process for paying for an item when a user purchases the item in a store where payment is possible only with a membership card according to various exemplary embodiments of the present disclosure.
- one of saving of reward points and a discount may be set when order information is generated.
- a POS terminal may transmit the order information (for example, a purchase item name, an item price, the name of an affiliated store, and an order number) to the electronic device of the user (for example, the electronic device 101 of FIG. 1 or the second electronic device of FIG. 3 ) via an order information transmitting device (for example, an NFC communication terminal) electrically connected with the POS terminal in view (a) of FIG. 13 .
- the electronic device of the user may display the order information received from the POS terminal.
- the electronic device of the user may display information on a membership card which is applicable in the corresponding store in view (b) of FIG. 13 , and then display the result of saving of the reward points/applying of the discount in view (c) of FIG. 13 .
- FIG. 14 illustrates a block diagram 1400 of an electronic device 1401 according to various exemplary embodiments.
- the electronic device 1401 may configure the entirety or part of the electronic device 101 shown in FIG. 1 .
- the electronic device 1401 may include one or more Application Processors (APs) 1410 , a communication module 1420 , a Subscriber Identification Module (SIM) card 1124 , a memory 1430 , a sensor module 1440 , an input device 1450 , a display 1460 , an interface 1470 , an audio module 1480 , a camera module 1491 , a power management module 1495 , a battery 1496 , an indicator 1497 , or a motor 1498 .
- APs Application Processors
- SIM Subscriber Identification Module
- the AP 1410 may control a plurality of hardware or software elements connected to the AP 1410 by driving an operating system or an application program, and may process and calculate a variety of data including multimedia data.
- the AP 1410 may be implemented by using a System on Chip (SoC).
- SoC System on Chip
- the AP 1410 may further include a Graphic Processing Unit (GPU) (not shown).
- GPU Graphic Processing Unit
- the communication module 1420 may transmit and receive data via communication between the electronic device 1401 (for example, the electronic device 101 ) and other electronic devices (for example, the POS terminal 102 or the servers 103 - 106 ) connected through a network.
- the communication module 1420 may include a cellular module 1421 , a WiFi module 1423 , a BT module 1425 , a GPS module 1427 , an NFC module 1428 , and a Radio Frequency (RF) module 1429 .
- RF Radio Frequency
- the cellular module 1421 may provide a voice call, a video call, a text service, or an internet service through a telecommunications network (for example, LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, GSM, and the like).
- a telecommunications network for example, LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, GSM, and the like.
- the cellular module 1421 may identify and authenticate the electronic device in the telecommunications network by using a subscriber identification module (for example, the SIM card 1424 ).
- the cellular module 1421 may perform at least some of the functions provided by the AP 1410 .
- the cellular module 1421 may perform at least some of the multimedia control functions.
- the cellular module 1421 may include a Communication Processor (CP).
- the cellular module 1421 may be implemented by using a SoC, for example.
- the cellular module 1421 (for example, the communication processor), the memory 1430 , or the power management module 1495 are elements separate from the AP 1410 .
- the AP 1410 may be configured to include at least some of the above-described elements (for example, the cellular module 1421 ).
- the AP 1410 or the cellular module 1421 may load instructions or data received from a non-volatile memory connected therewith or at least one of the other elements into a volatile memory, and may process the instructions or data.
- the AP 1410 or the cellular module 1421 may store data which is received from at least one of the other elements or generated by at least one of the other elements in the non-volatile memory.
- the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , or the NFC module 1428 each may include a processor for processing data received and transmitted through a corresponding module.
- the cellular module 1421 , the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , or the NFC module 1428 is illustrated in a separate block.
- at least some (for example, two or more) of the cellular module 1421 , the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , or the NFC module 1428 may be included in a single integrated chip (IC) or a single IC package.
- IC integrated chip
- processors corresponding to the cellular module 1421 , the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , and the NFC module 1428 may be implemented by using a single SoC.
- the RF module 1429 may transmit and receive data, for example, may transmit and receive an RF signal.
- the RF module 1429 may include a transceiver, a Power Amp Module (PAM), a frequency filter, or a Low Noise Amplifier (LNA), for example.
- the RF module 1429 may further include a part for exchanging electromagnetic waves in a free space in wireless communication, for example, a conductor or conducting wire.
- the cellular module 1421 , the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , and the NFC module 1428 share the single RF module 1429 with one another.
- At least one of the cellular module 1421 , the WiFi module 1423 , the BT module 1425 , the GPS module 1427 , or the NFC module 1428 may transmit and receive an RF signal through a separate RF module.
- the SIM card 1424 may be a card including a subscriber identification module, and may be inserted into a slot formed on a specific location of the electronic device.
- the SIM card 1424 may include its unique identification information (for example, an Integrated Circuit Card Identifier (ICCID)) or subscriber information (for example, International Mobile Subscriber Identity (IMSI)).
- ICCID Integrated Circuit Card Identifier
- IMSI International Mobile Subscriber Identity
- the memory 1430 may include an internal memory 1432 or an external memory 1434 .
- the internal memory 1432 may include at least one of a volatile memory (for example, a Dynamic Random Access Memory (DRAM), a Static Random Access Memory (SRAM), a Synchronous DRAM (SDRAM), and the like) and a non-volatile memory (for example, an One-Time Programmable Read Only Memory (OTPROM), a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a mask ROM, a flash ROM, a NAND flash memory, a NOR flash memory, and the like).
- DRAM Dynamic Random Access Memory
- SRAM Static Random Access Memory
- SDRAM Synchronous DRAM
- OTPROM One-Time Programmable Read Only Memory
- PROM Programmable Read Only Memory
- EPROM Erasable Programmable Read Only Memory
- EEPROM Electrically Erasable Programmable Read Only Memory
- the internal memory 1432 may be a Solid State Drive (SSD).
- the external memory 1434 may further include a flash drive, for example, Compact Flash (CF), Secure Digital (SD), Micro-SD, Mini-SD, extremeDigital (xD), a memory stick, and the like.
- the external memory 1434 may be functionally connected with the electronic device 1401 through various interfaces.
- the electronic device 1401 may further include a storage device (or a storage medium) such as a hard drive.
- the sensor module 1440 may measure a physical quantity or detect an operation state of the electronic device 1401 , and may convert measured or detected information into electric signals.
- the sensor module 1440 may include at least one of a gesture sensor 1440 A, a gyro sensor 1440 B, a barometric pressure sensor 1440 C, a magnetic sensor 1440 D, an acceleration sensor 1440 E, a grip sensor 1440 F, a proximity sensor 1440 G, a color sensor 1440 H (e.g., Red, Green, Blue (RGB) sensor), a biosensor 1440 I, a temperature/humidity sensor 1440 J, an illumination sensor 1440 K, and a Ultraviolet (UV) sensor 1440 M.
- a gesture sensor 1440 A e.g., a gyro sensor 1440 B, a barometric pressure sensor 1440 C, a magnetic sensor 1440 D, an acceleration sensor 1440 E, a grip sensor 1440 F, a proximity sensor 1440 G, a color sensor 1440 H (
- the sensor module 1440 may include an E-nose sensor (not shown), an electromyography (EMG) sensor (not shown), an electroencephalogram (EEG) sensor (not shown), an electrocardiogram (ECG) sensor (not shown), an infrared ray (IR) sensor, an iris sensor (not shown), a fingerprint sensor (not shown), and the like.
- the sensor module 1440 may further include a control circuit to control at least one sensor included therein.
- the input device 1450 may include a touch panel 1452 , a (digital) pen sensor 1454 , a key 1456 , or an ultrasonic input device 1458 .
- the touch panel 1452 may recognize a touch input in at least one method of capacitive, resistive, infrared, and ultrasonic methods.
- the touch panel 1452 may further include a control circuit (not shown).
- the touch panel 1452 may recognize not only physical contact but also hovering.
- the touch panel 1452 may further include a tactile layer. In this embodiment, the touch panel 1452 may provide a tactile response to the user.
- the (digital) pen sensor 1454 may be implemented in the same or similar method as or to the method of receiving a user's touch input or by using a separate detection sheet.
- the key 1456 may include a physical button, an optical key, or a keypad.
- the ultrasonic input device 1458 allows the electronic device 1401 to detect sound waves through a microphone (for example, the microphone 1488 ) through an input device generating ultrasonic signals, and is capable of wireless recognition.
- the electronic device 1401 may receive a user input from an external device connected thereto (for example, a computer or a server) by using the communication module 1420 .
- the display 1460 may include a panel 1462 , a hologram device 1464 , or a projector 1466 .
- the panel 1462 may be a Liquid Crystal Display (LCD) or an Active Matrix Organic Light Emitting Diode (AM-OLED).
- the panel 1462 may be implemented to be flexible, transparent, or wearable.
- the panel 1462 may be configured as a single module along with the touch panel 1452 .
- the hologram device 1464 may show a stereoscopic image in the air using interference of light.
- the projector 1466 may display an image by projecting light onto a screen.
- the screen may be located inside or outside the electronic device 1401 .
- the display 1460 may further include a control circuit to control the panel 1462 , the hologram device 1464 , or the projector 1166 .
- the interface 1470 may include a High Definition Multimedia Interface (HDMI) 1472 , a Universal Serial Bus (USB) 1474 , an optical interface 1476 , or D-subminiature (sub) 1478 .
- the interface 1470 may be included in the communication interface 160 shown in FIG. 1 . Additionally or alternatively, the interface 1470 may include a Mobile High Definition Link (MHL) interface, a Secure Digital (SD)/Multimedia Card (MMC) interface or Infrared Data Association (IrDA) standard interface.
- MHL Mobile High Definition Link
- SD Secure Digital
- MMC Multimedia Card
- IrDA Infrared Data Association
- the audio module 1480 may convert a sound and an electric signal bidirectionally. For example, at least some elements of the audio module 1480 may be included in the input and output interface 140 shown in FIG. 1 .
- the audio module 1480 may process sound information which is input or output through a speaker 1482 , a receiver 1484 , an earphone 1486 , or a microphone 1488 .
- the camera module 1491 is a device for photographing a still image and a moving image, and, according to an exemplary embodiment, the camera module 1491 may include one or more image sensors (for example, a front surface sensor or a rear surface sensor), a lens (not shown), an Image Signal Processor (ISP) (not shown), or a flash (memory) (for example, a Light Emitting Diode (LED) or a xenon lamp).
- image sensors for example, a front surface sensor or a rear surface sensor
- ISP Image Signal Processor
- flash memory
- LED Light Emitting Diode
- xenon lamp for example, a Light Emitting Diode (LED) or a xenon lamp
- the power management module 1495 may manage power of the electronic device 1401 .
- the power management module 1495 may include a Power Management IC (PMIC), a charging IC, or a battery or fuel gage.
- PMIC Power Management IC
- charging IC a charging IC
- battery or fuel gage a battery or fuel gage
- the PMIC may be mounted in an integrated circuit or a SoC semiconductor.
- the charging method may be divided into a wire charging method and a wireless charging method.
- the charging IC may charge a battery and may prevent inflow of overvoltage or over current from a charger.
- the charging IC may include a charging IC for at least one of the wire charging method and the wireless charging method.
- the wireless charging method may include a magnetic resonance method, a magnetic induction method, or an electromagnetic wave method, and an additional circuit for charging wirelessly, for example, a circuit such as a coil loop, a resonant circuit, a rectifier, and the like may be added.
- the battery gage may measure a remaining battery life of the battery 1496 , a voltage, a current, or temperature during charging.
- the battery 1496 may store or generate electricity and may supply power to the electronic device 1401 by using stored or generated electricity.
- the battery 1496 may include a rechargeable battery or a solar battery.
- the indicator 1497 may display a specific state of the electronic device 1401 or a part of it (for example, the AP 1410 ), for example, a booting state, a message state, or a charging state.
- the motor 1498 may convert an electric signal into a mechanical vibration.
- the electronic device 1401 may include a processing device (for example, a GPU) for supporting a mobile TV.
- the processing device for supporting the mobile TV may process media data according to standards such as Digital Multimedia Broadcasting (DMB), Digital Video Broadcasting (DVB), or media flow.
- DMB Digital Multimedia Broadcasting
- DVD Digital Video Broadcasting
- Each of the above-described elements of the electronic device according to various exemplary embodiments of the present disclosure may be comprised of one or more components, and the names of the elements may vary according to the kind of the electronic device.
- the electronic device according to various exemplary embodiments of the present disclosure may include at least one of the above-described elements, and some of the elements may be omitted or an additional element may be further included.
- some of the elements of the electronic device according to various exemplary embodiments of the present disclosure may be combined into a single entity, and may perform the same functions as those of the elements before being combined.
- module used in various exemplary embodiments of the present disclosure refers to a unit including one of hardware, software, and firmware, or a combination of two or more of them, for example.
- the “module” may be used interchangeably with terms like unit, logic, logical block, component or circuit.
- the “module” may be a minimum unit of an integrally configured part or a part of it.
- the “module” may be a minimum unit that performs one or more functions or a part of it.
- the “module” may be implemented mechanically or electronically.
- the “module” may include at least one of an Application Specific Integrated Circuit (ASIC) chip, Field Programmable Gate Arrays (FPGAs), and a programmable logic device which perform any operation that is already well known or will be developed in the future.
- ASIC Application Specific Integrated Circuit
- FPGA Field Programmable Gate Arrays
- programmable logic device which perform any operation that is already well known or will be developed in the future.
- At least part of the apparatus (for example, modules or functions) or method (for example, operations) according to various exemplary embodiments of the present disclosure may be implemented by using instructions stored in a computer-readable storage medium in the form of a programming module.
- the instructions When the instructions are executed by one or more processors (for example, the processor 120 ), the one or more processors may perform a function corresponding to the instructions.
- the computer-readable storage medium may be the memory 130 , for example.
- At least part of the programming module may be implemented (for example, executed) by using the processor 120 .
- At least part of the programming module may include a module, a program, a routine, sets of instructions, a process, and the like for performing one or more functions.
- Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as Compact Disc Read Only Memories (CD-ROMs) and Digital Versatile Disc (DVDs), magnetooptical media such as floptical disks, and hardware devices such as Read Only Memories (ROMs), Random Access Memories (RAMs) and flash memories that are especially configured to store and execute program commands (for example, the programming module).
- Examples of the program commands include machine language codes created by a compiler, and high-level language codes that can be executed by a computer by using an interpreter.
- the above-described hardware devices may be configured to operate as one or more software modules for performing operations of various exemplary embodiment of the present disclosure, and vice versa.
- a module or programming module according to various exemplary embodiments of the present disclosure may include one or more of the above-described elements, may omit some elements, or may further include additional elements.
- the operations performed by the module, the programming module, or the other elements according to various exemplary embodiments of the present disclosure may be performed serially, in parallel, repeatedly, or heuristically. In addition, some operation may be performed in different order or may omitted, and an additional operation may be added.
- the instructions stored in the storage medium may be set to allow at least one processor to perform at least one operation when the instructions are executed by the at least one processor, and the at least one operation may include: receiving item order information from a POS terminal; determining a payment method by considering at least one of a discount benefit and a reward point saving benefit based on the received item order information; and requesting a payment approval for the item order information in the determined payment method.
- the determining the payment method may include: transmitting at least one of the item order information and a payment method recommendation information request to a server; receiving, from the server, candidate payment method information that provides a relatively greater benefit of at least one of the discount benefit and the reward point saving benefit; and selecting at least one payment method from the candidate payment method information.
- the at least one operation may further include: detecting authentication information for payment of the item order information; and transmitting at least one of at least one payment method selected from the candidate payment method information and the authentication information to the server.
- the at least one operation may further include: receiving an authentication result in response to the authentication information; when the authentication result is valid, transmitting payment approval request information to the server; and receiving a payment approval result in response to the payment approval request information.
- the determining the payment method may include: displaying a payment method list of the user of the electronic device stored in an internal memory of the electronic device; selecting at least one payment method from the payment method list of the user; detecting authentication information for payment of the item order information; and transmitting at least one of the item order information, the selected at least one payment method, and the authentication information to the server.
- the at least one operation may further include: when the payment method list of the user of the electronic device stored in the internal memory of the electronic device is displayed, displaying at least one of a discount rate and a reward point corresponding to each of the payment methods based on the item order information.
- the at least one operation may further include: receiving an authentication result in response to the authentication information; when the authentication result is valid, transmitting payment approval request information to the server; and receiving a payment approval result in response to the payment approval request information.
- the order information may include at least one of an item name, an item price, affiliated store information, an order number, and an order type.
- a method for paying of a server may include: receiving at least one of item order information and a payment method recommendation information request from an electronic device; determining candidate payment method information which provides a relatively greater benefit of at least one of a discount benefit and a reward point saving benefit based on the item order information; transmitting the determined candidate payment method information to the electronic device.
- the method for paying of the server may further include receiving, from the electronic device, at least one of at least one payment method selected from the candidate payment method information and the authentication information.
- the method for paying of the server may further include: transmitting an authentication result to the electronic device in response to the authentication information; when the authentication result is valid, receiving payment approval request information from the electronic device and transmitting the payment approval request information to another server; and receiving a payment approval result from the another serer in response to the payment approval request information and transmitting the payment approval result to the electronic device.
- a method for paying of a POS terminal may include: acquiring a purchase item of a user; generating item order information based on the purchase item of the user; transmitting the item order information to an order information transmitting device; and transmitting the item order information to an electronic device of the user via the order information transmitting device.
- the order information may include at least one of an item name, an item price, affiliated store information, an order number, and an order type.
- the payment system is combined with a system which recommends various discount or reward point benefits through user-centered online payment, thereby providing improved user convenience and benefits.
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- Business, Economics & Management (AREA)
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- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Description
Claims (9)
Applications Claiming Priority (3)
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KR1020140030315A KR20150107418A (en) | 2014-03-14 | 2014-03-14 | Payment method and payment apparatus and payment system using electronic wallet |
KR10-2014-0030315 | 2014-03-14 | ||
PCT/KR2015/002429 WO2015137756A1 (en) | 2014-03-14 | 2015-03-13 | Payment method, payment apparatus, and payment system using electronic wallet |
Publications (2)
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US20170076282A1 US20170076282A1 (en) | 2017-03-16 |
US10719826B2 true US10719826B2 (en) | 2020-07-21 |
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US15/124,178 Active 2036-03-08 US10719826B2 (en) | 2014-03-14 | 2015-03-13 | Payment method, payment apparatus, and payment system using electronic wallet |
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US (1) | US10719826B2 (en) |
EP (1) | EP3117384A4 (en) |
KR (1) | KR20150107418A (en) |
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Cited By (2)
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US11087308B2 (en) * | 2015-05-27 | 2021-08-10 | Samsung Electronics Co., Ltd. | User terminal device, terminal for payment, and method and system for payment using the user terminal device and terminal for payment |
US20230056297A1 (en) * | 2021-08-23 | 2023-02-23 | YamaPay Inc. | System and method for recommending portable financial device for a payment transaction |
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KR20170050232A (en) * | 2015-10-30 | 2017-05-11 | 에스케이플래닛 주식회사 | User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon |
US20170278095A1 (en) * | 2016-03-28 | 2017-09-28 | Microsoft Technology Licensing, Llc | Mobile payment system and method |
KR102644528B1 (en) * | 2016-11-07 | 2024-03-06 | 공경남 | Mobile order and payment supporting system capable of integrating operation control of individual point-of-sale terminals |
KR101919586B1 (en) * | 2017-05-10 | 2018-11-16 | 주식회사 코인플러그 | METHOD FOR PAYING COST OF IoT DEVICE BASED ON BLOCKCHAIN, AND SERVER, SERVICE PROVIDING TERMINAL, AND DIGITAL WALLET USING THE SAME |
CN107688938A (en) * | 2017-08-23 | 2018-02-13 | 上海与德科技有限公司 | A kind of method and apparatus of offline electronic payment |
JP6666317B2 (en) * | 2017-09-25 | 2020-03-13 | 東芝テック株式会社 | Payment system and user management device |
CN112700249B (en) * | 2019-10-23 | 2023-09-05 | 腾讯科技(深圳)有限公司 | Order information management method, device and system and storage medium |
JP2021105876A (en) * | 2019-12-26 | 2021-07-26 | トヨタ自動車株式会社 | Wallet server, wallet program, and wallet system |
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Also Published As
Publication number | Publication date |
---|---|
KR20150107418A (en) | 2015-09-23 |
EP3117384A1 (en) | 2017-01-18 |
WO2015137756A1 (en) | 2015-09-17 |
US20170076282A1 (en) | 2017-03-16 |
EP3117384A4 (en) | 2017-11-15 |
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